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Trudianne

Help Needed PPI claim!

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Having previously used this brilliant site to reclaim bank charges I am now going to try to reclaim PPI. Trouble is I don't really understand it. I know for sure that my Capital One credit card charges me PPI monthly and I am certain that I didn't request this - i thought it was something i had to have with the card (duh!). I have 7 years worth of statements so do I need to do a SAR? How then do i calculate what to claim back. I am sure some kind soul will point me in the direction of a step by step guide.

Many thanks for any and all assistance.

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Hello Trudianne

 

Having previously used this brilliant site to reclaim bank charges I am now going to try to reclaim PPI. Trouble is I don't really understand it. I know for sure that my Capital One credit card charges me PPI monthly and I am certain that I didn't request this - i thought it was something i had to have with the card (duh!). I have 7 years worth of statements so do I need to do a Subject Access Request? How then do i calculate what to claim back. I am sure some kind soul will point me in the direction of a step by step guide.

Many thanks for any and all assistance.

 

Best approach SAR first get all the information check all the statements etc and start a claim. Don't forget the statutory fee of £10.00

 

within the SAR see the following:

 

 

Full SAR for ppi

 

Data Protection Act 1998 - Subject Access Request

 

You should request the following documents:

 

A true copy of your Consumer Credit Agreement with the Terms and Conditions that were applicable at the time you took the credit card.

 

Copies of all statements applicable to the credit card.

 

Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

 

Copies of all recorded telephone calls or transcripts of the recordings.

 

A copy of the needs and wants/ customer duty of care questionnaire... here is an example.

 

http://wwwa.mbna.co.uk/insurance/files/CP0608_INSU_MB_LP_S.pdf

 

Copies of any notes made by any staff in their dealings with you.

 

Also have a look in these links for further help.

 

PPI - Some Notes for Claimants..

 

links within this one are loads more links here are a couple that may help..

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

THIS LINK IS IMPORTANT TO YOU ON RECLAIMING IT IS FROM 2001 FROM THE FOS

loan payment protection insurance and a quote from this link...

 

 

Quote:

When determining whether a policy is suitable, a seller – whether a lender or an agent for the insurer – must obviously take into consideration any information the prospective policyholder volunteers. However, we do not consider the seller’s duty is limited simply to recording what the borrower discloses. It is only by asking questions that the seller can properly determine suitability. These questions cannot cover every aspect of a borrower’s personal position and should not be expected to do so. To paraphrase the ABI Statement, only those matters deemed to be relevant by the insurer should be the subject of questions.

hope this is of use

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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